American Financial Benefits Center Recommends a Positive Mindset When Thinking About Student Debt

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Press Release updated: Feb 15, 2018 05:00 PST

EMERYVILLE, Calif., February 15, 2018 – Student loans often elicit negative emotions and a heavy sense of financial responsibility. Many borrowers wonder how they will get through the debt, and internet searches often result in pages of articles describing which things in life to sacrifice to maximize loan payments. Borrowers may begin to determine how far they might go to get rid of the debt. American Financial Benefits Center (AFBC), a private document preparation company that assists borrowers in applying and recertifying for federal income-driven repayment plans (IDRs), suggests a change in perspective.

Student loan balances can cause panic, stress, impatience and feelings of hopelessness as borrowers try to figure out how they will pay down those loans. That negativity can impact health, both physical and mental. It’s no wonder that borrowers are willing to go to great lengths to rid themselves of the debt.

“Focusing on that stress and panic while looking at the toll your student loans take on your finances can severely impact your quality of life,� said Sara Molina, manager at AFBC. “Instead, what if you focus on something more uplifting? Ask yourself what you would do with your student loan payments if you didn’t have to put them toward student loans.�

Focusing on that stress and panic while looking at the toll your student loans take on your finances can severely impact your quality of life.

Sara Molina

Manager at AFBC

A change in perspective from what you would sacrifice to what you would do encourages a shift of focus to potential rather than loss. Whether borrowers would travel, save money, invest, pursue a dream job, buy a house or do anything else, those daydreams can become goals that keep borrowers in a more positive mindset. 

To keep that perspective, AFBC recommends that borrowers create a plan to work toward that goal. Such a plan could be to pay down the loans as quickly as possible, which requires sacrifice in the short term and may make maintaining a positive attitude difficult. Another option is applying for an income-driven repayment plan that may lower federal student loan payments enough to free up finances that can be used toward those goals.

“IDRs can be great for borrowers with low income or big families who need relief from high federal student loan payments,� said Molina. “We help our clients apply for and stay in IDRs in the long term so they can focus on what makes them happy.�

About American Financial Benefits Center

American Financial Benefits Center is a document preparation company that helps clients apply for federal student loan repayment plans that fit their personal financial and student loan situation. They adhere to strict customer service guidelines and strive for the highest levels of honesty and integrity.

AFBC is a member of the Association for Student Loan Relief (AFSLR) and each representative on the phone has received the Certified Student Loan Professional certification through the International Association of Professional Debt Arbitrators (IAPDA).


To learn more about American Financial Benefits Center, please contact:

American Financial Benefits Center
1900 Powell Street #600
​Emeryville, CA 94608
​[email protected]

Source: American Financial Benefits Center

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Jasmine Petters

Jasmine Petters

Jasmine hails from the city of Nizams, Hyderabad, and is currently pursuing her M.D. from there only. She is an internet wizard and has keen passion in All Things tech. She is a regular Comment contributor for The Daily Telescope and writes a Web column, in which she covers war, sports, and everything in between.
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